Lansing Ophthalmology PC
Updated Filing received by DOL
Lansing Ophthalmology PC, a healthcare & social assistance employer in East Lansing, Michigan, reported 261 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows $1.9M in insurance premiums across 4 contracts and $106,404 in broker commissions and fees, 3.9% of medical premium against a national median of 3.8% among plans that paid commissions in plan year 2024. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on March 10, 2026, before the deadline.
Who was paid on Lansing Ophthalmology PC's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Lansing Ophthalmology PC filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Zachary R. Haan · Grand Rapids, MI | $55,896 | $0 | $55,896 | 1 |
| Lighthouse Group · Grand Rapids, MI | $25,130 | $7,391 | $32,521 | 4 |
| Brian Bellware · Portage, MI | $13,470 | $0 | $13,470 | 1 |
| Gibson Insurance Agency, Inc. · South Bend, IN | $3,763 | $753 | $4,516 | 2 |
Source: DOL Form 5500 Schedule A, Part I (broker commissions and fees), plan year 2024, as published in EBSA's 2024 "Latest" dataset. Part I names whoever the carrier paid, which can be a firm or an individual agent; both are public record. Amounts exclude pay from carriers not tied to a listed contract.
Insurance contracts and carriers
Every insurance contract reported on Schedule A: carrier, what it covers, people covered at year end, earned premium, and broker compensation.
| Carrier · coverage | Covered | Premium | Broker pay | Rate |
|---|---|---|---|---|
| Blue Cross Blue Shield of Michiganhealth, prescription drug, PPO | 256 | $1.8M | $71,134 | 3.9% |
| Delta Dental of Michigandental | 261 | $114,564 | $7,978 | 7.0% |
| Continental American Insurance Companycoverage not coded | 1 | — | $2,479 | — |
| Unum Life Insurance Company of Americalife, short-term disability, long-term disability | 196 | — | $24,813 | — |
Source: DOL Form 5500 Schedule A, plan year 2024. Self-funded medical coverage has no premium; amounts shown for it are stop-loss or administrative contracts.
How Lansing Ophthalmology PC compares
Medians across employers for plan year 2024, the most recent complete year. Commission rates use fully insured medical contracts only; dollar medians use every employer that disclosed broker pay.
Premium per covered person on medical contracts: $7,108 a year (national median $7,274).
Source: BenefitsLedger benchmarks from 58,547 employer health plans with 100 or more participants, plan year 2024. Methodology.
Year over year
| 2023 | 2024 | Change | |
|---|---|---|---|
| Participants | 190 | 261 | +37.4% |
| Premiums filed | $1,826,731 | $1,934,114 | +5.9% |
| Broker commissions + fees | $103,260 | $106,404 | +3.0% |
| Commission rate | 3.9% | 3.9% | −0.0 pts |
Source: DOL Form 5500 filings for plan years 2023 and 2024.
Filings and timeliness
Plans this employer filed under its EIN with a health benefit code. Large plans are due seven months after the plan year ends, or two and a half months later with an extension; amended filings carry the amendment date, so no timing is asserted for them.
| Plan | Plan year end | Received by DOL | Timing | Participants |
|---|---|---|---|---|
| L.O. Eye Care Flexible Benefit Plan#501 · insurance, general assets | August 31, 2025 | March 10, 2026 | before deadline | 261 |
Source: DOL Form 5500 Part I and signature dates; "late" means received after the extended deadline (the 15th day of the tenth month after plan year end). What a late Form 5500 costs.
How much did Lansing Ophthalmology PC pay in health insurance broker commissions in 2024?
Lansing Ophthalmology PC's 2024 Form 5500 reports $106,404 in broker commissions and fees across 4 insurance contracts ($98,260 in commissions, $8,144 in fees), with Zachary R. Haan receiving the largest share.
Is Lansing Ophthalmology PC's health plan self-funded or fully insured?
The 2024 filing indicates the plan is a mix of insured and self-funded coverage. Medical coverage is written by Blue Cross Blue Shield of Michigan.
How does Lansing Ophthalmology PC's broker compensation compare with similar employers?
Lansing Ophthalmology PC paid 3.9% of medical premium in commissions and fees. The median for employers with 200-499 participants is 3.6%, and the median in Michigan is 3.2%. Percentages are computed only on fully insured medical contracts with filed premiums.
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Record built October 24, 2026 from U.S. Department of Labor, EBSA Form 5500 datasets (2025, 2024, 2023 plan years, 'Latest' files). Filings can run 7 to 10 months behind the plan year; always confirm against current plan documents. BenefitsLedger is not affiliated with the U.S. Department of Labor. Open the DOL filing search.